[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Bill McGill [@JustBankStocks](/creator/twitter/JustBankStocks) on x 1227 followers Created: 2025-07-11 00:31:51 UTC I think they are raising capital at a bank-favorable price and I think I don’t entirely agree with the focus on a X versus X year earn back as if the out year expense reductions don’t matter. They do. And banks should front load the restructuring costs when acquiring a bank like farmers with no valuable lending relationships where it’s just a pure deposit acquisition. XXX engagements  **Related Topics** [acquisition](/topic/acquisition) [lending](/topic/lending) [chapter 11](/topic/chapter-11) [Post Link](https://x.com/JustBankStocks/status/1943468243387134023)
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Bill McGill @JustBankStocks on x 1227 followers
Created: 2025-07-11 00:31:51 UTC
I think they are raising capital at a bank-favorable price and I think I don’t entirely agree with the focus on a X versus X year earn back as if the out year expense reductions don’t matter. They do. And banks should front load the restructuring costs when acquiring a bank like farmers with no valuable lending relationships where it’s just a pure deposit acquisition.
XXX engagements
Related Topics acquisition lending chapter 11